-
Mortgage Offer
Hi, we have our valuation tomorrow for a new build its not even had a brick layed. is there anything that could cause us an issue and how long after should we get the offer though its with natwest thanks
-
Home insurance due... but we're about to move!
Hi everyone, Our home insurance is due for renewal on 17th August, but we're currently buying a new house and are likely to be moving in September. Do we take out a new annual policy on this house and then cancel once we've moved? Will we be charged for doing so? Or do we take out a policy on this house with our new…
-
90LTV - New build
Looking for some help. I have tried searching the forums but a lot of the threads seem to be pretty old. My partner and I are looking at a new build house which will be ready early next year and we would be looking at purchasing this with a 10% deposit. Can anyone advise on which lenders offer a 90ltv on new builds? Also,…
-
Bad Landlord wants unreasonable deductions from deposit
So we moved out 20 days ago and are still to receive any of our deposit money back. The landlord has suggested deductions for carpet clean, change of locks, bathroom cleaned and a gardener. 1. Carpet Clean - agreed We agreed to as a few stains have appeared but as stated by the agency it's a very tired carpet. 2. Lock…
-
FTB - When are searches ordered?
Hi As a first time buyer, please excuse this novice question. I would like to know when are searches typically ordered? I understand the solicitor will need title and plan of the property. However does solicitor wait for a review of draft contract pack, property information form, fittings details before ordering searches?…
-
Online EAs with no sale no fee option.
Hello All I'm about to sell my flat. Keeping things simple so as not to confuse folk. Does anyone know of any online estate agents that have a no sale/no fee option? So far I've found out Housesimple and Hateched seem to have this option. Thanks in advance
-
Any advice pls - renting in London and notice periods...
Hi, welcome any advice about my renting situation... Have been renting a 1 bed for the last 8yrs from a London Company (they own lots of residential and commercial property all over London). The current 1yrs AST is going to up for renewal in late August and they want us to sign up for a new 1 yrs AST. At the moment we are…
-
Buying a property for 2 years
My husband and I have long been planning to buy our first property once he has finished his doctorate and is in full time employment (rather than on a student stipend as he is now). This will be the case as of June next year, and by this point our LISAs will have been open for a year so we will get the government bonus. We…
-
Am I a homeowner yet?
This may be a stupid question! I exchanged contracts on a house a couple of months ago and due to complete next month. On credit applications, insurance etc when asked the question 'are you a homeowner?' I'm not actually sure what the answer is! Is it a yes as we've exchanged or is it a no because we are not completed /…
-
Stamp Duty Question..
Hi all, whilst talking about stamp duty, we came up with this scenario.. Person X has a property which they let out. Person Y purchases a new property as a first time buyer, with the mortgage in their name alone. They pay the usual stamp duty at the point of purchase. Person X moves in to the property and doesn't…
-
renovation costings/ reducing offer
Hi, I am currently purchasing a house in need of a bit of renovation (3 bedroom 1950s semi). Know it's hard to say, but how much do you think the following would cost: - excavating 2 x fireplaces. - 1 back boiler removal. - woodburner fitted, flue installation etc. x 1 - CH upstairs -Rewire/ part rewire throughout house…
-
Private Landlord taken deposit for room and ignoring contact
So my friend has been recently looking for rooms in London for a short term rental. She found a room on SpareRoom.com, visited it and wanted to sign the contract. I came with her to take a look over the contact and check out the place. Everything seemed above board. Landlord was live in and friendly with the existing other…
-
ridiculous valuation of house
-
how long till EA reduces price
Just wondering if theres a rough time from the initial marketing of a house, till when the estate agents suggest dropping the price a bit. Obviously it's not a hard and fast rule, but on RightMove I've noticed a few houses that have dropped a little, as they have to state when it was reduced. I've been drooling over a…
-
Is it possible to use a loan to pay a year's rent?
Apologies in advance as I'm new to this sort of thing but I would like to know if it's possible to get a loan to pay a year's rent. I'd like to know because I currently live at home with my Mum. Her ex used to live with us and used to hurt me and then mentally abused me which caused me to get anxiety and panic attacks.…
-
Is it illegal for estate agents to false advertise?
Is it illegal for an estate agent to advertise a house as three bedrooms, when one of those bedrooms is a loft conversion with no planning permission and no building regulations?
-
Removal Firm Edinburgh area - any recommendations?
Hello I hope I have put this question on the correct thread. Can anyone recommend a decent removal firm in the Edinburgh area? Moving about 70 miles to another part of Scotland. Any firms out there you would never use again? thank you! Anyone
-
Damp Meter
I brought a damp meter recently and it has shown low levels. Anyone else used Brennenstuhl Moisture Detector MD before and how accurate did you find it?
-
Installment Contracts / Lease Options
Hello MSE, Friends of mine have made an attempt of introducing me to lease options and installment contracts. I am vaguely aware of both these terms, and they seem to be heavily associated with Rick Otton and similar so called "property guru's." For me they seem very much like a get rich quick scheme and they appear to be…
-
Advice on Taylor Wimpy options/extras
Hi :) Me and my other half have just bought a Taylor Wimpy home that we move into in March! We haven't had our options meeting yet and they are not being very open with the cost of the options. has anyone recently bought a Taylor wimpy home that is able to advise on some of the costs of their options? Also do they provide…
